Universal Insurance Holdings (FRA:5UI) Moat Score: 4/10 (As of Jun. 28, 2026)


FRA:5UI Universal Insurance Holdings Inc FRA:5UI
57 GF Score
Price €34.60
GF Value €19.51
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Universal Insurance Holdings Moat Score?

Universal Insurance Holdings FRA:5UI -2.81% 57 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates FRA:5UI with a GF Score™ of 57/100 and a GF Value™ of €19.51 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 601 Insurance companies, Universal Insurance Holdings ranks better than 79.7% on this metric.

Universal Insurance Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Universal Insurance Holdings has Narrow Moat: Universal Insurance Holdings Inc has a discernible but modest moat due to its market presence and some customer loyalty. However, it lacks significant network effects, intellectual property, and durable cost advantages. Its pricing power and distribution network are not strong enough for a higher score.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Universal Insurance Holdings might have Narrow Moat - Discernible but modest moat.

Universal Insurance Holdings  (FRA:5UI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Universal Insurance Holdings Moat Score Related Terms

FRA:5UI vs ASIC, SAFT, TRUP: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Universal Insurance Holdings Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Universal Insurance Holdings's Moat Score falls into.


FRA:5UI
57GF Score
Universal Insurance Holdings Inc FRA:5UI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Universal Insurance Holdings (FRA:5UI) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Universal Insurance Holdings ranks #122 out of 601 companies in the Insurance industry, placing it in the top 20.3%.
Is Universal Insurance Holdings' Moat Score too high?
Universal Insurance Holdings' current Moat Score is 4. Based on the distribution chart, Universal Insurance Holdings ranks #122 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Universal Insurance Holdings has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Moat Score compare to ASIC and SAFT?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #122 out of 601 companies for Moat Score. This places Universal Insurance Holdings in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Universal Insurance Holdings's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universal Insurance Holdings stock overvalued right now?
Based on GuruFocus' analysis, Universal Insurance Holdings (FRA:5UI) is currently considered Significantly Overvalued. The stock's GF Value™ is €19.51, compared to a current price of €34.60 — trading 77.3% above its estimated fair value. The current Moat Score is 4. Universal Insurance Holdings' overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Moat Score is 4 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Universal Insurance Holdings (FRA:5UI) Overvalued in 2026?

Based on GuruFocus' analysis, Universal Insurance Holdings stock appears to be overvalued. The current stock price of €34.60 is trading 77.3% above its estimated GF Value™ of €19.51. GuruFocus considers Universal Insurance Holdings to be Significantly Overvalued.

Key valuation signals for FRA:5UI:

  • Moat Score: 4
  • GF Value™: €19.51 vs. price of €34.60 (77.3% above fair value)
  • GF Score™: 57/100 with 8 warning signs

No single metric tells the full story. See the FRA:5UI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Universal Insurance Holdings Business Description

Other Exchanges UVE:USA
Address 1110 W. Commercial Boulevard, Fort Lauderdale, FL, USA, 33309
Universal Insurance Holdings Inc is an insurance holding company. Through its subsidiaries, the company mainly offers property and casualty insurance and value-added insurance services. It develops, markets, and underwrites insurance products for consumers predominantly in the personal residential homeowners lines of business and performs all other insurance-related services for its primary insurance entities, including risk management, claims management, and distribution. The group offers the following types of personal residential insurance: homeowners, renters/tenants, condo unit owners, and dwelling/fire, through an independent agent network and online distribution channels across multiple states in the United States of America.
57GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€34.60
Price
€19.51
GF Value